If you're shopping for more affordable insurance online, do you get confused by the crazy number of auto insurance companies available to you? Lot's of other drivers are too. People have so many companies available that it can be a big hassle to find lower rates on Ford Focus insurance. Lots of people think Milwaukee has many things to offer, but trying to pay high auto insurance rates can make it hard for many residents to be able to afford adequate auto insurance coverage limits.
A recent study showed that most auto insurance buyers kept their policy with the same company for at least four years, and virtually 40% of consumers have never compared quotes from other companies. Milwaukee drivers can save hundreds of dollars each year just by getting comparison quotes, but most undervalue how much money they would save if they moved their coverage to a different company.
Companies offering Ford Focus insurance in Wisconsin
The car insurance companies shown below are our best choices to provide free rate quotes in Wisconsin. If multiple companies are listed, we suggest you visit as many as you can to get a more complete price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Focus S 4-Dr Sedan||$150||$294||$234||$14||$70||$762||$64|
|Focus SE 4-Dr Sedan||$156||$328||$236||$14||$70||$804||$67|
|Focus SEL 4-Dr Sedan||$134||$358||$220||$14||$66||$792||$66|
|Focus SES 4-Dr Sedan||$140||$324||$236||$14||$70||$784||$65|
|Focus SE 2-Dr Coupe||$108||$256||$314||$18||$94||$790||$66|
|Focus SES 2-Dr Coupe||$152||$346||$294||$18||$88||$898||$75|
|Get Your Own Custom Quote Go|
Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Prices do not factor in vehicle location which can change premiums noticeably.
The example below shows how choosing a deductible and can change Ford Focus insurance rates for different ages of insureds. The costs are based on a single female driver, full physical damage coverage, and no discounts are taken into consideration.
Liability only or full coverage
The information below shows the comparison of Ford Focus premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Wisconsin. The rates are based on no claims or violations, $100 deductibles, single female driver, and no discounts are taken into consideration.
When to eliminate full coverage
There isn't a written rule of when to stop paying for full coverage on your policy, but there is a broad guideline. If the annual cost of coverage is more than around 10% of the vehicle's replacement cost less your deductible, then it's probably a good time to buy liability coverage only.
For example, let's say your Ford Focus replacement cost is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, you would only receive $2,000 after you pay the deductible. If you are paying more than $200 annually to have full coverage, then you may want to consider only buying liability coverage.
There are some cases where buying only liability insurance is not financially feasible. If you still have a loan on your vehicle, you must maintain physical damage coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.
Insurance rate increases from tickets or accidents
The illustration below illustrates how traffic citations and at-fault collisions can affect Ford Focus car insurance rates for each different age category. The information is based on a single male driver, comp and collision included, $500 deductibles, and no discounts are factored in.
Affordable Milwaukee car insurance rates with discounts
Some companies don't necessarily list their entire list of discounts very well, so the list below details some of the more common and the more hidden credits available to bring down your rates.
- Discounts for Federal Employees - Federal government employees may qualify for a discount when you quote Milwaukee car insurance with a few car insurance companies.
- Onboard Data Collection - People who choose to allow driving data collection to monitor driving habits by using a telematics device like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease if they are good drivers.
- More Vehicles More Savings - Buying coverage for multiple cars or trucks on one policy qualifies for this discount.
- Driver's Education for Students - Reduce the cost of insurance for teen drivers by having them successfully take a driver's education course if offered at their school.
- Pay Upfront and Save - If paying your policy premium upfront rather than paying monthly you can avoid monthly service charges.
- Drive Less and Save - Maintaining low annual mileage may allow you to get lower premium rates on the low mileage vehicles.
- Milwaukee Homeowners Pay Less - Owning your own home or condo may trigger a policy discount on car insurance because maintaining a house requires personal responsibility.
- ABS Braking Discount - Cars, trucks, and SUVs equipped with ABS or steering control can stop better under adverse conditions and qualify for as much as a 10% discount.
- Distant College Student Discount - Children who live away from home to go to college and leave their car at home may be insured at a cheaper rate.
Don't be shocked that some of the credits will not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as comprehensive or collision. If you do the math and it seems like you can get free auto insurance, insurance companies wouldn't stay in business.
Some companies that may have some of the discounts shown above are:
If you need affordable Milwaukee car insurance quotes, ask each company or agent which discounts they offer. A few discounts may not be offered in your area.
Local neighborhood Milwaukee car insurance agents
A small number of people just prefer to go talk to an agent. A good thing about comparing rate quotes online is that drivers can save money and get the best rates but also keep your business local. And supporting local insurance agencies is important especially in Milwaukee.
Once you complete this quick form, your insurance coverage information is submitted to agents in your area that provide free Milwaukee car insurance quotes for your insurance coverage. There is no reason to contact any agents due to the fact that quote results will go to you directly. You can find the lowest rates without requiring a lot of work. If you have a need to compare prices from a particular provider, you would need to find their quoting web page and give them your coverage information.
Two types of auto insurance agents
When finding a local agent, you must know there are a couple types of insurance agents and how they are distinctly different. Agents are categorized either exclusive or independent (non-exclusive).
Independent Car Insurance Agents
Agents that choose to be independent are not required to write business for one company so they can insure your vehicles with an assortment of companies and find you cheaper rates. If your agent finds better pricing, your policy is moved internally and you don't have to switch agencies.
When comparing rates, you need to include a couple of independent agencies in order to have the best price comparison. Many independent agencies also insure through smaller mutual companies that may provide cheaper car insurance rates.
Featured below are independent insurance agents in Milwaukee that can give you price quotes.
- Adams Insurance Service Inc
11046 W Bluemound Rd - Milwaukee, WI 53226 - (414) 257-2070 - View Map
- Philleo Agency Insurance
12555 W Burleigh Rd - Brookfield, WI 53005 - (262) 432-4200 - View Map
- Frank Marchan Insurance Agency, LLC
3931 S Howell Ave - Milwaukee, WI 53207 - (414) 755-4999 - View Map
Agents of this type can usually just insure with one company and some examples include American Family, State Farm, and AAA. These agents are unable to compare other company's rates so they have to upsell other benefits. They are trained well on their products and sales techniques which helps overcome the inability to quote other rates. Many people buy insurance from these agents mainly due to loyalty to the company instead of buying on price only.
The following is a short list of exclusive agents in Milwaukee that are able to give comparison quotes.
- American Family Insurance - Arthur Olszewski Agency Inc.
7400 W Brown Deer Rd - Milwaukee, WI 53223 - (414) 355-5533 - View Map
- American Family Insurance - Adam Altis
6015 W Forest Home Ave - Milwaukee, WI 53220 - (414) 321-9944 - View Map
- State Farm Insurance
2121 S Kinnickinnic Ave #7 - Milwaukee, WI 53207 - (414) 483-3300 - View Map
Choosing an car insurance agent needs to be determined by more than just a low price. These are some valid questions you should ask.
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Do they have any clout with companies to ensure a fair claim settlement?
- Is there a local claims center in Milwaukee?
- Are aftermarket or OEM parts used to repair vehicles?
- Does the agent recommend any additional coverage?
- Do they have designations such as AIC, CPCU, or CIC?
- If you are a high risk driver, do they have special markets for your coverage?
If you feel you receive positive feedback to all your questions and locked in a price quote, you may have just found a car insurance agent that is professional and can insure your vehicles.
Insurance agents can help
When it comes to your policy for your personal vehicles, there really is no one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions could help you determine whether or not you would benefit from an agent's advice.
- Where can I find high-risk insurance?
- How much liability do I need to cover my assets?
- Why am I required to buy high-risk coverage?
- Is upholstery damage covered by car insurance?
- What is an SR-22 filing?
- When should I remove comp and collision on my Ford Focus?
- Do I have coverage if I rent a car in Mexico?
If it's difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier
Insurance coverage considerations
Understanding the coverages of insurance can be of help when determining the right coverages for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverages found on the average insurance policy.
Auto collision coverage
This coverage covers damage to your Focus resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage protects against things such as driving through your garage door, scraping a guard rail and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also bump up the deductible on your Focus to bring the cost down.
Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Ford Focus.
Because many people have only the minimum liability required by law (which is 25/50/10), their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are identical to your policy's liability coverage.
Liability coverage provides protection from damage or injury you incur to other people or property by causing an accident. It protects you against other people's claims. It does not cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/10 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $10,000 for damage to vehicles and property. Another option is a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.
Liability coverage protects against things like medical services, emergency aid, attorney fees and repair bills for other people's vehicles. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford. Wisconsin requires minimum liability limits of 25/50/10 but it's recommended drivers buy more liability than the minimum.
Comprehensive or Other Than Collision
This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims such as damage from a tornado or hurricane, hitting a bird, fire damage and rock chips in glass. The maximum payout you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.
Medical costs insurance
Med pay and PIP coverage reimburse you for expenses such as surgery, nursing services, prosthetic devices and EMT expenses. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage
Frequent quotes can save
There are still a few companies who do not provide price quotes online and many times these small, regional companies work with local independent agencies. Budget-friendly auto insurance in Milwaukee can be found both online and from local insurance agents, so you need to compare both so you have a total pricing picture.
As you shop your coverage around, it's very important that you do not skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice physical damage coverage to discover at claim time that it was a big error on their part. The proper strategy is to get the best coverage possible at the lowest possible cost while still protecting your assets.
- Distracted Driving Extends Beyond Texting (State Farm)
- What Auto Insurance is Cheapest for a Company Car in Milwaukee? (FAQ)
- Who Has Cheap Auto Insurance for Hybrid Vehicles in Milwaukee? (FAQ)
- Credit and Insurance Scores (Insurance Information Institute)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)